Is SFT or SCHD a better dividend investment in 2026?

SFT currently yields 1174.40% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SFT offers higher current income.

What is the dividend yield difference between SFT and SCHD?

SFT has a forward dividend yield of 1174.40% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 1170.94 percentage points.

Home › Compare › SFT vs SCHD

SFT vs SCHD: Dividend Comparison 2026

SFT yields 1174.40% · SCHD yields 3.46%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 SFT wins by $77588880.01M in total portfolio value

INVESTMENT

TIME HORIZON10 years

SFT

● Live price

1174.40%

Share price

$0.17

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$77588880.04M

Annual income

$66,457,117,586,405.53

Full SFT calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — SFT vs SCHD

📍 SFT pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	SFT	SCHD
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

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Dividend Calendar Overlap

Combined, SFT + SCHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SFT pays

SCHD pays

Both pay

Neither

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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

SFT

Annual income on $10K today (after 15% tax)

$99,823.84/yr

After 10yr DRIP, annual income (after tax)

$56,488,549,948,444.70/yr

SCHD

Annual income on $10K today (after 15% tax)

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, SFT beats the other by $56,488,549,948,082.65/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of SFT + SCHD for your $10,000?

SFT: 50%SCHD: 50%

100% SCHD50/50100% SFT

Portfolio after 10yr

$38794440.03M

Annual income

$33,228,558,793,415.74/yr

Blended yield

85.65%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SFT buys

SCHD buys

No recent congressional trades found for SFT or SCHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricSFTSCHD

Forward yield	1174.40% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$77588880.04M ✓	$29.0K
Annual income after 10y	$66,457,117,586,405.53 ✓	$425.95
Total dividends collected	$76756141.26M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: SFT vs SCHD ($10,000, DRIP)

Year	SFT Portfolio	SFT Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$128,140	$117,439.81	$11,226	$346.36	+$116.9K → SFT
2	$1,543,532	$1,406,422.01	$12,572	$357.38	+$1.53M → SFT
3	$17,484,583	$15,833,003.89	$14,046	$367.84	+$17.47M → SFT
4	$186,325,976	$167,617,472.01	$15,660	$377.73	+$186.31M → SFT
5	$1,868,742,776	$1,669,373,982.36	$17,425	$387.07	+$1868.73M → SFT
6	$17,647,091,734	$15,647,536,963.09	$19,354	$395.86	+$17647.07M → SFT
7	$156,979,890,793	$138,097,502,638.19	$21,461	$404.13	+$156979.87M → SFT
8	$1,316,050,532,150	$1,148,082,049,001.50	$23,762	$411.89	+$1316050.51M → SFT
9	$10,403,516,309,906	$8,995,342,240,505.43	$26,272	$419.15	+$10403516.28M → SFT
10	$77,588,880,038,005	$66,457,117,586,405.53	$29,010	$425.95	+$77588880.01M → SFT

SFT vs SCHD: Complete Analysis 2026

SFT — Stock

Shift Technologies, Inc., together with its subsidiaries, provides an ecommerce platform for buying and selling used cars. The company operates in two segments, Retail and Wholesale. It engages in the retail sale of used vehicles through its platform that enables mobile digital transaction, such as at-home car searching, scheduling an on-demand test drive, and purchasing at home or at the preferred site of a test drive, as well as provides financing and services. The company also provides value-added products, such as vehicle service contracts, guaranteed asset protection waiver coverage, wheel and tire coverage, prepaid maintenance plans, and appearance protection plans. In addition, it is involved in the sale of used vehicles through wholesale auctions or directly to a wholesaler. The company was incorporated in 2013 and is headquartered in San Francisco, California.

Full SFT Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →

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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.